paul volcker said his goal was to change the culture of wall street. in the volcker rule this time around it does tie compensation to risky trading. that doesn't go far enough? compensation and incentives are completely different from what you are allowed to do every day. this volcker rule, the dodd- frank law, none of that changes the way people on wall street are compensated and what they are rewarded to do. which is to take big risks with other people's -- >> it incentivizes risky trading, that was the goal. >> fine. once again, scarlet, the problem over the years with a wall street has not been proprietary ording or private equity investing in other people's hedge funds. the problem has been creating products that they think will make the world a better and then selling the heck out of them until problems occur. carney from a bank if we get the bad outcome you think we get, is it nothing more than a trading and derivatives migration of jobs over to london or over to zÜrich and for that matter, over to tokyo? >> they're very well could be some of t